Here are some of the things our clients have said about us.

“Early retirement for a frugal, FIRE-focused United States resident seeking to return to Canada comes with complexities and uncertainties. Carlo’s professionalism, preparation, attention to detail and courtesy provided calming confidence exceeding my expectations.  Peace of mind is the perfect complement to financial independence. Thanks, Carlo.”



“Brenda was exceptional at helping me navigate my financial future. Brenda’s vast knowledge, blended with her ability to clarify all options & steps gave me the confidence to make major financial decisions for myself & family. Thank you for all your insight & support!”



“I was initially reluctant to reach out for help because I am embarrassed about my current financial circumstances and my health difficulties.  In dealing with professionals in the financial sector in the past, I have felt judged and ignored.  I have to say, I was impressed with Carlo’s research and preparedness for my questions.  I did not feel judged and he was open and frank. This is exactly what I needed.

Should I require assistance in the future, I will not hesitate to contact Carlo.”



“My wife and I are recently retired with pensions, modest investments, and uncertain about our immediate / midterm financial health.  Carlo assigned us some homework providing us with a reality check on our expenses while providing him with concrete numbers for a deep analysis.  Carlo took the assignment a step further addressing our daughters RDSP investments we oversee.  His final analysis will now help us navigate the next 5 – 10 years as we try to delay our OAS and CPP Pensions.  Both of us feel we have a firm understanding about how to best withdraw our investments while we are healthy, and feel our anxieties about our seventies have been replaced with anticipation.”

DL and HAL


“Nancy, the thoroughness of your financial plans and efforts to integrate them into the investment process has really demonstrated that you have the client’s best interests at heart. Your holistic approach to planning is critical in laying the foundation to a customized investment plan and our coordination with regard to tax planning assists in the structuring of my client’s portfolios. Your personable approach, professionalism, and expertise has well served clients in better understanding and achieving their financial goals.”

 D.B. – Investment Advisor


“Thank you for sending us our reports, and, more significantly, thank you so much for all your help!  Your analysis is outstanding! You have truly taken a comprehensive view, while drilling down to look at all angles but never losing sight of the personal issues and the people involved! We can’t thank you enough!

I am now ready to make some life changing decisions.  This would not have been possible without all your work, Nancy!  You have really made it possible for Carolyn and I to transform our lives! Thank you again! Best wishes! (and looking forward to our next meeting).”

Heather Bryans and Carolyn Cote – Retirement Planning and Investment Planning Services


“We are planning on retiring early and needed some feedback on our readiness. A previous meeting we had with a financial planner at our local bank ended up being a very disappointing experience. We decided to find an advisor that did not work by commission, and called Objective Financial Partners Inc. We met with Carlo Palazzo after providing him with the information needed to analyze our financial situation. He was well prepared and provided an excellent overview of a retirement plan.  He answered all of our questions thoroughly and provided some good options and insights. He also gave us some information sources to allow us the opportunity to optimize our plan. Having met with Carlo, we were able to get the feedback and assurance that we were on the right track.”

Lori & Carey


“Thank you, Carlo, for the report on our defined benefit pension options.  It is very thorough and exactly the service we were looking for.”



“Nancy’s thoughtfulness and care for her clients is unparalleled.   Her approach to financial planning is thorough with complete consideration of client’s varying lifestyles and financial circumstances.  Clients come away satisfied, informed, and ready to retire with peace of mind. Nancy’s planning work is the blueprint upon which my client’s portfolio is based, and ongoing coordination helps ensure that my clients achieve their client goals.”

V.G. – Investment Advisor


“I am easing into retirement, while doing some freelance work and beginning to withdraw from various savings vehicles. I went to see Carlo for a second opinion on the withdrawal strategy that had been designed for me by another firm, and also to get his views on when I should take CPP and OAS. Carlo thoroughly assessed my assets and sources of income, and was able to assure me that my current financial plan was suitable to my needs and circumstances, and that I am on course for a secure retirement and can even spend a little more without running out of money during my lifetime. He also helpfully suggested some higher-interest alternatives for the cash assets in my portfolio. Carlo is professional and personable, and I would recommend his services to anyone seeking financial planning advice. It was well worth the money I spent for his unbiased second opinion, and the additional input he provided. I will continue to call on Carlo for advice as my retirement unfolds and circumstances change.”



“Thank you to Carlo and Objective Financial Partners for the work you’ve done with us to review and update our investment strategy, spend-down strategy and retirement projections.  We are executing the road map and have increased confidence in our retirement plans and the next steps to get there.  We’d like to reconnect in a year or so to do some fine-tuning. Thanks again for your help.”

V and G


“Working with Carlo was the best money I spent for financial advice. He gave well-researched answers, asked me good questions and followed up on my questions, quickly getting back to me when he knew he’d need to do more research before answering. He used our time very effectively, really listening to my priorities and drilling down on the specific issues. I vividly remember one particular hour being the most valuable hour of finance advice I’ve received in recent memory. Some of my issues were complicated from a tax and investing perspective, and Carlo’s advice gave me the next steps I needed to put my mind at ease. I plan to return to work with Carlo for any future concerns.”



“Nancy has continued to impress with how she can take complex financial plans and makes them executable for clients. In many cases, the plan is made after a client’s economic event, be it the sale of a business or a large inheritance, and they want to make sure that they receive a full and comprehensive plan from an independent financial advisor and this is what they get in working with Nancy at Objective Financial.  Nancy’s honest and genuine care for clients makes the planning process seamless, and clients feel like they are working with a trusted friend who has their best interests at heart.”

C.R. Portfolio Manager


“My wife and I are within 5 years of retirement.  Brenda prepared a very comprehensive plan, including asset allocation and insurance.  She was able to find tax efficiencies and provided excellent direction for re-balancing our portfolio.  It was a pleasure working with Brenda, we are very happy and impressed with her knowledge and attention to detail. Her services were worth every penny, we now have peace of mind and are confident about our future.”

David & Michelle


“Working with Brenda was a great way for us to validate our overall financial situation, income and savings goals and prepare for our retirement in less than ten years.  Throughout the process Brenda was amazing to work with.  She helped us get clear on what changes we need to make, how to simplify our unnecessarily complex range of savings vehicles and investment providers and how we should be investing to realize our goals.  We are not sophisticated investors and our goal was to understand how we are doing, if we are on track and if our goals are reasonable without creating a new hobby of managing our finances – Brenda was great at clarifying where we are, what we need to do and helping us get on a path this is appropriate for us.  She is very professional, knowledgeable and helpful throughout (and after) the process.  We would recommend her to anyone doing financial planning or considering their retirement goals.”

RE and JV, Toronto CA


“Our experience with Nancy and OFP Inc. has been invaluable. We received a comprehensive saving and withdrawal plan leading up to our approaching retirement and beyond, as well as estate planning and insurance advice. A detailed asset reallocation and go-forward strategy was also provided, including important information about more efficient fees and portfolio management services. All information was shared with great clarity and professionalism. We now have a solid road map to guide our financial future – a future we are now confident and excited about. We could not recommend Nancy and the OFP Inc. team more highly.”

Deb and Greg – Comprehensive Financial Plan Analysis


“Choosing to work with Brenda Hiscock has given us great peace of mind. When we meet with her, it feels as if we are her only client, and it is as though she is as concerned about our financial well-being as we are.  Our situation is somewhat unique in that we have lived and worked abroad for a number of years, and will not be able to rely as much on CPP or other pension support when retired. Brenda has helped us properly align our investments, set financial goals, and learn about various ways available to us, that will ensure we are able to retire when we want to. Brenda is highly competent and knows a great deal, not just about investments, but also about personal and health insurance. She also has a number of contacts in the financial world, which in turn affords us as clients numerous pathways that we can follow, when choosing what is best for our financial future. We could not recommend her more highly.”

 Beth S.


“Our family has a range of ordinary to complex issues regarding repatriating to Canada as well as tax, retirement, and estate questions. Nancy Grouni presented us with a full and detailed plan and she continues to answer questions along the way and assist us with implementation. It has been a relief to finally have concrete answers, numbers, and a map for the well-being of our family’s future. I highly recommend OFP and Nancy for their non-biased, relatable approach and high degree of professionalism. My only regret is that I did not contact Objective Financial Partners sooner.”

K.W. Corporate Financial Plan


“Nancy was a great help to us in focusing our investments in a tax efficient way as we transitioned from working to retirement life. She was thorough and well prepared for our meetings and gave us some excellent suggestions for drawing down our investments. We are very glad that we found a financial planner who we feel comfortable with and have confidence in.  The financial assessment and planning exercise and suggestions that came out them reassured us that we are on the right track and helped us to determine next steps. We would highly recommend Nancy!”

 Robert and Sarah, married couple, newly retired


“Dear Fellow-Investors-To-Be, my wife and I have been dutiful savers throughout our lives and careers.  Now, we are at the point of retirement, and so we are arriving at a key moment in terms of financial planning for our Golden Years.  Until now, we have taken the usual handiest and high profile route in investing our hard-earned savings.  Like many, we are sure, this has simply been with one of the household name big banks.  With this approach, we would say that we have done “OK”.  Our mix has been in bank-fare mutual funds balanced between bonds and equities, and within RRSPs and TFSAs to which we have striven to maximize contributions. We came to the conclusion that we did not have to settle for mediocrity when it came to our future lifestyle and security.  We heard about Objective Financial Partners Inc. as a team who offer professional, “no-agenda” advice.  Following an initial free consultation, we engaged Nancy Grouni as our financial planner and agreed upon a fee that would cover an in-depth analysis of our financial status, and the preparation of a corresponding investment plan that would be tailored specifically for our retirement needs. We can say that we are very pleased with the service provided by Nancy Grouni at Objective Financial!  An impressively comprehensive report was developed for us, which was complemented by conferencing and email follow-ups.  We were patiently guided through the material.  Our questions were addressed with understanding and thoroughness. She was able to refer us to a selection of good matches for our investing, legal and accounting needs going forward.  For the first time we feel positive and confident in having the best financial and lifestyle scenario in our future.  Our experience was one of working with a top and caring professional and we would highly recommend engaging Objective Financial Partners!”

 Lucien and Susan L.


“It is a pleasure working with Nancy due to her passion, knowledge, experience,  professionalism and attention to detail. Clients are grateful for the detailed financial roadmap and comprehensive year-by-year forecast of income level, income source, tax payable, basic expenses, extraordinary expenses, investment growth, debt repayment, and pensions. The optimization of retirement cashflow to efficiently decumulate assets is very well received as are discussions of how and when to start pensions, which accounts to draw from, whether to incorporate, use of holding companies or trusts, or any other tax-driven questions. Complex uncertainties are demystified, providing informed decisions with peace of mind.”

Paul D.  –  Wealth Management Firm, White Label Planning


“Thank you for all that you have shown us. We really did not know our true potential “Net Worth”. After having our son diagnosed with Autism, we knew our job was to  save for our son’s future. As we saved and spent less on ourselves, we didn’t really enjoy some pleasures along the way. We were  directed to Objective Financial and meet Brenda. She showed us strategies and a plan, that would  help our son throughout his life, and we could now rest,  and start to enjoy our life!  Knowing everything is in place gives us such inner peace words cannot express. Brenda, you and your team have been the best decision were made in 2018!  Thank you.”

Sharon, Bob & Carson


“Without hesitation we would recommend working with Brenda Hiscock and Objective Financial Partners. Over the past year we have been working with Brenda to design our financial and retirement plan and have found her to be extremely competent in every aspect of her work. With an eye to leaving the traditional workforce early, Brenda’s analysis has given us the ability to take this next step with confidence. Her tools and guidance helped us better understand our current and projected living expenses, as well as what our tax optimized cash flow could be in the years to come. We now feel organized with respect to our financial house and at ease with major decisions we will be making in the near future. We believe this has been one of the best investments we have made, both in terms of the time spent on this exercise and in the value of the services provided.”

Vancouver, BC


“As my husband and I were straddling retirement we deemed it necessary to connect with a financial planner to ensure we were on the right track with our retirement financial portfolio. Nancy was thorough, knowledgeable and most personable. In addition to our in-person meeting, we found the financial plan and summary report prepared for us to be just what we needed. We came away with action steps that we’ve been able to follow and feel much better knowing there was sage advice to help steer through the complexities of financial retirement decisions. During the follow-up year I found Nancy to be responsive and just as thorough in replying to my questions. We would highly recommend Nancy at Objective Financial Partners Inc. “

 G.P.G. Retirement Planning and Investment Planning Services


“Nancy, I want to thank you for the excellent advice and planning you have done for me.  It has been a great positive experience – I have peace of mind regarding my retirement that I didn’t have before we met and learned a lot.  You really know your stuff and… most importantly you are a wonderful person.  Life really is great – it puts just the right people on your path… just when you need it! … again, a heartfelt thank you!  You’re the Best!”

Wendi P. – Comprehensive Financial Plan


“My husband and I contacted Objective Financial Partners after researching the advantages of a fee-for-service financial planner. We had just entered retirement and needed to know where we stood financially. Although we did this with some trepidation, it turned out to be a very positive experience. Nancy impressed us with her professional acumen and thoroughness. She was extremely patient in answering our questions, clarifying any issues that we had. She made recommendations regarding investment strategies, modifying them as our financial situation became clearer. She referred us to a few long-term advisors. After speaking with them, we chose one with whom we have been very happy. Nancy is a very nice person. She is extremely easy to talk to and always promptly responded to our calls. Her expertise is undeniable. What we feared would be a ‘technical’ and complicated process turned out to be a very practical and affirming experience. We can’t thank Nancy enough. We were left with a sound plan and peace of mind – both are invaluable.”

C. & G.B.


“I am so glad that I engaged Nancy to do a comprehensive financial plan. As a small business owner with no pension, it is very important to me to receive objective, unbiased financial advice. Nancy took a comprehensive approach, looking at everything from wills to insurance, tax planning to investments. She provided me with expert referrals where appropriate. Through working with her, I have gained much additional knowledge and confidence in my financial future. I have received excellent value by engaging her services and would not hesitate to do so again. Highly recommended!”

 P.B. – Comprehensive Professional Corporate Financial Planning Services


“Last year, my husband and I decided to retain the services of Brenda for our investment and retirement planning needs. Having not used the services of a financial adviser before, we weren’t really sure if it was worth the fees associated with those services. However, after having worked with Brenda over the past 6 months, I can confidently say that it was definitely worth it. We have been extremely happy with Brenda’s advice, knowledge and support. Not only has she helped us to figure out the best way for us to invest our money and plan appropriately for retirement, it has also given us peace of mind.  The whole process has helped us feel confident in our decisions and in our financial future. I highly recommend Brenda and we will definitely be using her services again in the future when we need to revisit our financial plan.”



“Nancy took the time to explain the many options we had in front of us as we were expecting our second child.  Her advice was unbiased and thorough and gave us confidence in the path we’d been following (with a few tweaks).  Whenever I’ve contacted Nancy with follow up questions, she’s gone above and beyond in researching the answer and consulting with specialists as required.  We look forward to returning to meet with Nancy to update our plan to make sure we stay on track. Our family and friends have heard us speak highly of her and we’ve recommended Nancy’s financial planning services to all of them.”

Stephanie Overholt


“When I made the decision to find a fee for service (fiduciary) financial planner I searched online.  To my surprise there were only a handful.  I called 3 offices and spoke with 2 of the planners. When I spoke with Nancy I felt very confident that she would be able to work with my partner and me.  After meeting with Nancy for the first time, Lindsay, my significant other, said, “I really like her and she knows her stuff.”  This was a great compliment.  Nancy put together a full financial plan for us and met with us several times to go over the details.  In one of the meetings she picked up on a comment I made which caused her to question some of the tax planning we had been doing.  She took it upon herself to contact a cross-border accountant (I am American) and discovered our previous accountant had cost us about $2,000 in over-payment of taxes.  We have already switched to the accountant she contacted. Nancy also introduced us to someone who could manage our assets.  She has helped me review my options for my assets in the US and we have put all of investments in place.  She gave us future tax planning advice regarding our real estate holdings and we have implemented her suggestions. Nancy has been a great resource for us and has always gone above and beyond what we expected.  We will recommend Nancy Grouni to everyone who is looking for an unbiased opinion for their financial well-being. Thank you, Nancy!”

 Wendy Starr and Lindsay Smith


“As retirement moved closer we wanted to confirm that our existing investment framework was appropriate and well-rounded. We chose Objective Financial Partners after reviewing proposals from several independent fee-only advisors. We were introduced to Brenda who was professional and personable. It was immediately clear to us she was passionate about helping her clients build a functional and realistic retirement plan. Over our meetings she helped us understand the strengths and weaknesses of our current plan and retirement thinking by reviewing our family and personal goals. Brenda proposed some new objectives to help meet those goals, demonstrated how those changes would impact our holdings and left us with a comprehensive document to use as a road map for future reference. We now have greater certainty and peace of mind about our retirement in a few years. We have, and will continue to recommend Brenda to others. We will also return to Brenda in the future as we need to ‘tweak’ our plan.”

Clare & Mike


“I came to Objective Financial Partners after realizing that the retirement planning advice I had received through my job’s employee assistance program was rather inadequate.  And I consider myself very fortunate that Brenda had time to take me on as a client and look after my retirement planning needs.  The analysis she provided was extremely thorough and comprehensive and it has really given me a roadmap to a secure retirement based on very practical advice.  Again, I am thankful I got to rely on her expert advice.”

Marco Blefari


“I’m so happy I signed on to have Brenda work with me on my financial planning. I was looking for objective financial planning advice, because I was skeptical of the advice I received from financial institutions, since they always tended to promote their own products. Brenda however helped me consolidate my various scattered investments and form a cohesive plan that I can execute regardless of the financial institution I choose. She helped me understand what I need to do to get and remain on track for the financial goals I have, and she helped me understand how to choose the right products and strategy for me. Brenda is warm, speaks plainly and directly, and gave me a level of confidence around how I invest and what’s right for me, that I have never had before. It was a pleasure working with her, and I would highly recommend her services. “

Maria Guevara


“Both my wife and I reached out to Nancy a few months ago to get investment advice concerning our future retirement goals. Nancy was extremely professional, informative and yet very personable.  At no time were our on-going questions too many.  She took her time with us and answered everything clearly.  She was thorough and listened to our needs. We had many concerns regarding our finances and she put us at ease with all our options.  She made everything so much easier and never rushed us into anything.  Nancy developed a financial plan so we can move forward with our retirement.  Both of us would highly recommend Nancy to family and friends.  Nancy, thank you so much for your advice and guidance.”

Justin and Mary – Financial Planning and Investment Planning Services


“As a DIY investor, I think it’s very valuable to have an in depth financial plan drawn up, particularly as retirement approaches to deal with the usually more complex de accumulation phase. Nancy did a terrific job and equipped me with excellent financial planning and tax planning strategies. She was very pleasant and helpful to work with, and promptly answered the many, sometimes, complex questions I came up with for her. I hadn’t planned to ask her to review my portfolio, but decided to do so, and was very glad I did… I can highly recommend Nancy. She provides a valuable service and I plan to check in with her again from time to time. I also plan to encourage DIY friends of mine to set up an appointment with Nancy as I know it would be a big help to them, too.”

 G.M. – Corporate Planning and DIY Investment Services


“The financial plan prepared by Brenda Hiscock was thoughtful, thorough, and crucial for our understanding of our savings and retirement goals. Throughout the process she was quick to answer questions and guided us through the fine details. After discussing the financial plan with us we felt much more comfortable with our financial future, and Brenda provided us with options and advice that went beyond the basics of saving and spending. This was an investment well spent, and we look forward to continuing to work with Brenda as we head towards retirement.”

Joshua Wood and Anna Pfeiffer


“Our Skype meeting with you was so enjoyable and educational. Thank you very much for all the time and work that went into preparing such a comprehensive summary and retirement plan for us. We are looking forward to reviewing it in depth. It has been such a pleasure working with you and we look forward to continuing our relationship with you in the future. We have greatly appreciated your expertise, guidance, and perspective. You’ve given us a lot of important things to consider and talk about with regards to our present and future lives.”

Crystal and David


“Jason Heath is an excellent and smart financial planner who provides timely, objective and strategic advice.  He is brilliant at coming up with effective solutions related to investments, taxes, insurance needs and retirement planning.  Jason is honest and looks out for his client’s best interest.  I would highly recommend him.”

Salmin Jadavji


“Over a number of years Brenda assisted a large number of our clients with building their Financial Plans.  These ranged from simple to complex, and personal to corporate.  Brenda had a great ability to not only capture the quantitative numbers, but also to work with the individuals and couples to help them determine their most important goals and objectives in the years and decades ahead.”

Andrew Guilfoyle, CA, CPA, CFA


“After endless frustrations with our local financial advisor, we reached out to partner with Nancy Grouni from Objective Financial Partners. Nancy actively listened to our concerns and addressed our needs so that these were her top priority. She collaborated with us through the entire process to build a comprehensive and useful financial plan that focused on our current and future financial needs. Nancy demonstrated her exceptional communication skills which were valuable since we were geographically too distant to meet in person. We conducted regular teleconferenced meetings that resulted in exceptional value and accommodated our busy schedule. Thanks Nancy for helping us actualize our financial goals and helping us place these into action.”

Jennifer & Tyler Smith


“I’m great with finances and Jason showed me a way of looking at my situation that was obvious but I had completely missed. His insight gave me the information I needed to make the decision to retire at 52.”

Eric Martin


“Jason’s services have been invaluable over the years.  Jason has helped my wife and I with critical decisions and planning, and I also brought Jason in to help with a retirement plan for my mother.  Jason’s thoughtful and well-informed approach to financial planning is complemented by his capacity to make complex financial issues simple, and his skill at helping people develop a good point-of-view about the available alternatives.  Recommended.”

Jeff Hecker


“Nancy is very knowledgeable and understood our situation and challenges. She really helped us identify ways to reach our goals.”



“Nancy really understood our financial situation, risk tolerance, and goals. She assisted in the development of mutually agreed upon asset allocation. If she could have recommended funds, I would have followed through.”



“As a senior editor at MoneySense, I’m always looking for exceptional fee-only planners who can offer our readers impartial, professional and easy-to-understand advice. Jason Heath has filled this role for me for more than a decade. In fact, we at MoneySense value his advice so much that he have added him as a weekly contributor to our MoneySense web site. With his simple and trusted financial advice, he has helped make MoneySense, as well as his new blog “Ask A Planner” one of our most inspiring and well-read features.”

Julie Cazzin


“Jason Heath is a rare beacon of clarity and objectivity in an era of volatile markets, new technologies and global disruption. Jason’s true expertise lies in his ability to steer his clients through the often overwhelming world of personal financial decisions both large and small. I would recommend Jason to any person wanting a true partner in achieving personal financial success.”

N. Bianchi


“Jason has been counselling us on financial and tax planning since 2007. Jason is easy to work with, takes the time to fully understand family and personal circumstance and provides financial/tax guidance and advice that is aligned to our goals. Work gets done properly and accurately. Most importantly, he is solid at what he does – his years of experience and vast knowledge are tremendous assets. Most recently Jason has been working on our tax/financial planning though a work related move to the US. We have benefited tremendously from his counsel over the years.”

Chetan Malik

Marketing Director, Fortune 500 Company


“I can’t say enough about how much further ahead we are now and confident in moving forward as a result of working with Nancy. Based on the thoroughness and depth of the financial planning Nancy provides, I can say this service is immensely helpful. Nancy takes the time to help us understand particular areas we needed help with. We will continue to work with Nancy on an ongoing basis.”



“Nancy is very detailed orientated, great listening skills & works in the best interest of my goals.”



“It’s a real pleasure working with Jason.  He is a true professional in every way and has been instrumental in assisting me with my retirement planning, taxes and various financial planning. He is extremely knowledgeable and responds to all my queries in a timely manner.  I plan to continue using Jason’s services and have no hesitation in recommending his services.”

Rosanne Bencini


“Knowledgeable and thoroughly organized are the words that come to mind when we think about Jason Heath.  Although we have not known him for very long, he has made us feel very comfortable and confident in his ability to sort out our financial mess and provide us with a comprehensive, easy-to-understand plan for our future.  Above all, we were very impressed with Jason’s effective listening skills and his ability to demystify financial terms and explain them in layman’s terms.  We now feel empowered to execute his objective advice and recommendations.  Jason would be a great asset to any client seeking objective financial advice.  He comes with our heartfelt recommendation.”

Coleen and Larry Power (Peterborough, ON)


“Very, very thorough and knowledgeable and was very, very patient with our seemingly endless questions! I would definitely refer others to Nancy!”



“Nancy gave me a great view of what I have now, and what I could have in the future if I followed the provided plan. WAY more in depth than the generic “Your Richer Than You Think” web programs.”



“Nancy is knowledgeable; does not sell products; impartial; thorough.”



“My wife and I considered several for-fee financial advisors before choosing Jason.  We worked hard to provide him with the depth of financial detail he needed to do his analysis, and we know he worked even harder to give us his excellent feedback and recommendations.  Follow-up questions were also answered thoroughly.  He’s personable, knowledgeable, and intuitive.  Highly recommended.”

Doug & Ann


“Being an American citizen living in Toronto with a Canadian wife and children, my tax situation is very complicated!  Jason Heath has been able to help us to execute the most tax-efficient plan possible.  Additionally, together we’ve designed a smart long-term investment plan for my family and me.  It would not have been possible to create such a plan without Jason’s knowledge and partnership – for this we are grateful to Jason and his team at Objective.”

Greg & Katie O (Toronto, ON)


“Jason wrote the most comprehensive financial plan I have ever seen.  He reviewed both our spending and saving habits, but also our insurance and will as well.  This not only included our personal scenario, but that of both our companies. He then provided a written summary with plotted graphs and charts to show our financial position from now until 100, with surprise expenses such as house repairs, cars, and holidays added in, while reflecting the type of retirement we are aiming for.   He then continued by personally explaining  the plan to us.  Following this extensive exercise, he was available for the entire year  as our situation changed and I added more questions.  His responses were extremely quick and insightful.  Jason’s fee was upfront and fair, with absolutely no sales pitches.  I could not have been happier with the results.”

Dr. George McMeekin  DMD (Victoria, BC)


“Jason Heath is in a tough business. He provides objective financial planning but doesn’t earn a dime in commissions. Because he doesn’t benefit from investment purchases or client account sizes, he advises with no strings attached. Jason’s services are worth the money.”

Andrew Hallam

Author of “Millionaire Teacher” and “The Global Expatriate’s Guide to Investing”


“It was great to work with Nancy – we had significant objectives to reach and it was a relief to know that we could achieve those. Nancy’s advice on the investment side was also important – we have executed … based on the recommendations and have invested the cash according to the proposed allocations. We will definitely need a tune up in a few years and will reach out again for sure!”

Mark and Susan


“Nancy provided us with the unbiased financial advice we had been seeking for a long time. From the initial consultation to the finalized reports we were very impressed with her professionalism, knowledge and attention to our particular concerns. She completed a comprehensive review of our financial situation and provided us with a road map tailored to our retirement goals. She provided us with valuable investment, tax and insurance advice all without trying to sell us anything! We now feel much more confident in our investment and retirement strategies. From a customer service perspective, it was an absolute pleasure to deal with Nancy. Throughout the process she was very responsive to our particular queries. Without hesitation we would consult with her again in the future for a financial “check-up”.”

Sharon and Craig


“The financial plan for my recent retirement has given me much greater certainty and peace of mind.  From the first phone meeting with Nancy Grouni, I began to feel relieved. She was highly professional and respectful of my constraints, but offered invaluable input, which is now captured in a financial plan that will serve me well for years to come. I wish I had taken this step years earlier.”

Meryl Hodnett


“Jason has helped me with all my financial planning needs since 2008. He has offered excellent advice on many strategic issues I have faced over the years. A wonderful skill that Jason possesses is his ability to listen to your situation and decipher the key issues. He is extremely thoughtful in his deliberation before offering his recommendations. I have recommended Jason to my closest friends and family. I know that they will be well cared for and extremely impressed with him on both a professional and personal level.”

Roxanne Henderson

Broker City House Country Home


“I’m numbers based. The plan is numbers based. Various scenarios were discussed and I watched real-time how knowledgeable my advisor was. There was no sales talk, just real facts. When I asked for the moon, she responsibly led me back to earth with cold hard facts. I’m 100% convinced that if I follow the plan, as laid out, I’ll be fine. In fact I will be going back to Nancy closer to retirement.”


“I have worked with Jason for almost 8 years now in his capacity of Financial Adviser, and followed him when he recently left his previous employer to establish his own firm.  Over these past 8 years, I have relied exclusively on Jason’s financial advice, consultations, and analysis to make informed decisions about my family’s financial future, as well as developing our Wills, Power of Attorneys, complete income tax returns for Canada and the USA, and receiving investment recommendations.  I have found Jason to be a highly respected and competent financial adviser who is extremely approachable, personable, and always ready to assist.  Due to his lack of affiliations with investment vehicles and his fee-only membership structure with no commissions, he can be trusted to always work in the best interest of his clients rather than pushing someone else’s agenda.  I would highly recommend Jason’s services to anyone who is seeking financial peace of mind in the short and long term, especially given these times of great uncertainty and global economic turbulence.”

Maurizio Laudisa


“Jason Heath has been our financial advisor since the autumn of 2007.  After he left his previous employer to start his own company, we followed him.  Jason has been a wonderful advisor for making financial decisions, certainly the best of a series of people we have dealt with.   He is an attentive listener who gives very personalized advice to his clients, and has many contacts to call upon for additional expertise.  He is open, approachable, personable, and has a great sense of humour.  We consider ourselves very fortunate to be his clients, both financially and personally.”

Margaret Kelly


“Nancy provided us with a very thorough financial plan that helped us immensely so would could get a solid grip on our financial picture both for the present and future.”

John & Laura


“I have spent many years juggling accountants, tax preparers, lawyers, stock brokers, insurance agents and estate planners. While I have a reasonable idea of what I am doing, I missed having a source of sober, second thought. That is where Jason Heath comes in. These days everyone is a “financial planner”, but in fact Jason really is. He has helped with my investing strategy, my estate planning and my taxes, all with wisdom and experience and without bias. Thank you Jason. I have never felt so comfortable and in control of my financial affairs.”

Peter Cook

Broker/Senior VP Office Leasing, Cushman & Wakefield Ltd


“I chose to work with Jason because through our initial exchange of emails, I found him to be accessible, approachable, candid and frank.  That easily translated into a solid foundation of trust, which I believe is the key for a successful working relationship with any financial planner.  As we worked together for a period of time together, I feel his passion in educating the client about different aspect of financial planning and also in delivering customized solution for each unique situation.  I also like his expertise in explaining pension and his focus on the total well-being of the client – not just financially, but from a family dynamics and life experiences perspective.”

Jordan Wu


“As a former financial planning professional, I can confidently say that I deeply admire Jason Heath’s high level of personal and professional integrity.  He applies a very detailed and rigorous methodology to help families, and businesses, map out effective financial solutions that put their needs first – without the conflicts of interest faced within some competitor firms.”

Stephen Reesor


“Nancy looked at ways of maintaining our capital, reducing our costs and managing our risk factors.”



“Nancy really understood our situation and did not recommend any products whatsoever. She assisted in ways in which we could find these so we could make the best choice.”



“I am a DIY investor. Five years ago a friend who assisted me in managing an unregistered and two registered accounts died suddenly. Although I had maintained a general oversight of those investment accounts I was left not only with the problem of specific choices of investments but more significantly without an advisor who had provided me with an objective perspective and to act as a counterfoil from time to time. Through another friend I was introduced to Jason Heath and he has completely filled that void. He has reviewed and suggested changes to my financial plan; he has pointed out specific investments for my consideration; and most importantly he provides objective advice including introductions to possible investment opportunities. I highly value his judgment and his advice and I am confident that his only interest is in my finances.”

Don Brown

Blake, Cassels & Graydon LLP


“Nancy is diligent, thorough, hard working, conscientious, and highly professional. She is committed to providing the highest level of client-service possible.”

Michael Curtis

President, Vision Systems Corp.


“Jason is smart, experienced and knows his stuff. He’s a great source for personal finance insight.”

Bruce Sellery

Author of “Moolala: Why smart people do dumb things with their money (and what you can do about it)” Columnist at Moneysense Magazine


“My husband and I have used Jason’s services for many years, starting before he was at Objective Financial Partners. His work is of such high quality that we decided to follow him when he left his last position. Jason covers off our financial planning and tax return preparation for our family. He also provides excellent ongoing advice for other financial questions/projects we have going on outside of our family home and personal taxes. My tax return can sometimes be complicated because I have a business outside of my employment – Jason has never had any issues with this and is able to consistently complete the paperwork maximizing the return for me. I have recommended him to many other people, and we will continue to work with Jason on an ongoing basis.”

Dvorah R.

Senior Manager


“True fee-only planners are rare in Canada but Jason Heath has established himself and his new firm on the vanguard of this growing area. His reputation for dispensing sensible objective guidance has also made him a go-to source for many media.”

Jonathan Chevreau

Editor, MoneySense Magazine


“Thanks for taking me on as a client. This has been an important exercise and has given me great insight into my financial affairs. You’ve been extremely helpful and I hope I can call on you from time to time to help me update my plan as circumstances change. I get the sense you have a thriving practice and hope you don’t mind if I recommend you to some of my friends.”

Jack Fleischmann

General Manager, Business News Network


“I am not sure how I would have handled all this without your advice and assistance. I really was naive about the process, timelines and the decisions to be made. To tell you the truth, I find it a bit nerve-wracking. Thank you Jason for your support.”

Judy S.


“We went to Nancy to help with our retirement plan and see if we were on the right track. We found Nancy to be very thorough and she explained everything clearly. We were very happy with the final report. It was clear, concise and put our minds at ease. We would not hesitate to recommend Nancy to anyone looking for straightforward financial advice.”

Nancy & Gerry

Financial Services

A financial plan is the cornerstone of a family’s quest for financial independence. Saving and investing are important parts of a financial plan, but there is so much more.

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T. 416.691.8471
Toll Free. 1.855.691.8471
F. 1.866.261.8912

Objective Financial Partners Inc.

8500 Leslie Street, Suite 101
Markham, Ontario
L3T 7M8

T. 416.691.8471
Toll Free. 1.855.691.8471

Providing fee-only financial planning to clients in Toronto or worldwide via Skype

Copyright © 2018 |Objective Financial Partners Inc. | All rights reserved.

We don’t sell investments, so we’re not going to tell you which stocks to buy and sell. However, we can build you a comprehensive and truly objective financial plan.

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